What would this home really cost you?

Paste a Zillow link. See the monthly cost, the cash you'd need and how it fits your buying power. No signup required.

How is the monthly cost estimated?

We start from the list price, your down payment and your rate, then add property tax, homeowners insurance, mortgage insurance while the down payment is under 20%, and the HOA fee when the listing shows one.

Property tax is a rate of the price: Zillow's area rate when the listing has one, otherwise 2%. You can change it. A seller's current tax bill can be lower than a new owner's, because many places reassess a home after it sells, so the bill on the listing isn't a guide to yours.

Where do the listing details come from?

From the Zillow page you paste, read as it is. When the listing doesn't show something, such as an HOA fee, we say it's unknown rather than guess, and you can enter it yourself.

If a link can't be read, you can enter the price instead and still see the numbers.

What is the potential transaction value?

Some sellers are prepared to pay part of a buyer's agent's commission. When you buy without one, that amount can become room to negotiate in the transaction. Avry calls it potential transaction value.

It is not money paid to you. Whether it exists, and how it can be used, depends on the seller agreeing, your loan program, your lender's limits and the contract. On a listing it might lower the price, pay for a temporary rate buydown, go toward closing costs, or cover repairs the seller completes before closing.

This analysis provides estimates for educational purposes only. It is not a mortgage pre-approval, loan offer, appraisal, financial advice or guarantee of savings. Listing details come from Zillow and may be incomplete or out of date. Actual financing, taxes, commissions and transaction terms depend on the property, lender, listing agreement and negotiated terms.